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City · 15,549 residents · Nassau County, New York

Seaford , New York

In Seaford, a typical home is worth $658,300 and typical rent is $2,489 a month. Compared with all of Nassau County, typical household income is 18% higher, typical rent is 11% higher, and the share of households that own their home is 11 points higher.

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  • Typical home value

    $658,300

    4% below the county

    55% above New York

    • Seaford
    • Nassau
    • New York

  • Typical rent

    $2,489a month

    11% above the county

    54% above New York

    • Seaford
    • Nassau
    • New York

  • Typical household income

    $172,557a year

    18% above the county

    101% above New York

    • Seaford
    • Nassau
    • New York

  • Households that own their home

    93%

    11 points above the county

    39 points above New York

    • Seaford
    • Nassau
    • New York

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$806,591
6.3% more than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Seaford is in Nassau County. The FHA loan limit ($1,249,125 for a one-unit home), the fair market rents and the help on this page are those of all of Nassau County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Seaford apart

What this place has that others do not, from public data, most unusual first.

  1. The typical household income in Seaford is $172,557, 18% more than in Nassau County as a whole ($146,202).

  2. 93% of households in Seaford own their home, against 82% in Nassau County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Seaford

What homes there are in Seaford, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

The detached house rules in Seaford: 94% of homes, more than in Nassau County (76%).

Year built

By age, homes in Seaford look like those in Nassau County: the typical year built is 1958.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$3,581 a month

Nassau County: $3,795 a month

Without a mortgage

$1,483 a month

Nassau County: $1,500 or more a month

Owners with a mortgage

62%

Nassau County: 62%

Owning costs less in Seaford: with a mortgage, the typical cost is $3,581 a month; in Nassau County, $3,795. Without one, $1,483.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Much as in Nassau County, the typical home value in Seaford rose 37% since 2015–2019.

Rent in Seaford moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureSeafordNassau CountyNew YorkUnited States
Rental vacancy Unreliable estimate4.5%3.8%5.5%
Homeowner vacancy Unreliable estimate0.7%1.1%0.9%
More than one person per room Unreliable estimate3.4%5.3%3.4%
People per household 2.962.992.492.53
Drive alone 63%61%49%69%
Carpool 7%7%6%9%
Public transit 15%13%22%3%
Walk or bike Unreliable estimate2%6%3%
Work from home 13%16%15%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

By size, households in Seaford look like those in Nassau County: 2.96 people on average.

To get to work, 63% of workers in Seaford drive alone; in Nassau County, 61%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Seaford?

A typical home costs more than the typical income allows

We start with a typical home in Seaford, worth $658,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 40% of the typical household income in Seaford, which is $172,557 a year. For that payment to be 28% of income, a household would need to earn about $247,632 a year.

The calculator's FHA and conventional loan limits are those of all of Nassau County.

Your numbers

Local data
$

Starts at the typical home value in Seaford. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $23,041 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$5,778

at 7.18% · 30 years

Loan amount
$646,376
Total interest
$929,983
Paid off in
November 2056

Includes $11,117 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $4,026 a month

  • Tight

    $4,026 to $5,177 a month

  • Hard

    more than $5,177 a month

    Your payment · 40%

Compared with the typical household income in Seaford ($172,557 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,778
Principal & interest$4,379
Property tax$834
Home insurance$274
FHA mortgage insurance (MIP)$291

You need at least $23,041 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Seaford and Nassau County

Seaford is in Nassau County, New York. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Seaford's own numbers

Typical home value
$658,300
Typical monthly rent
$2,489
Typical yearly household income
$172,557
Households that own their home
93%
Effective property tax rate
1.52%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Nassau County

FHA limit, one-unit home
$1,249,125
Conventional limit, one unit
$1,209,750
HUD fair market rent, 2 bedrooms
$2,689
Price change over 5 years (FHFA)
+45%
Homes in a high flood-risk zone
9.6%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Nassau County.

Everything about Nassau County

Buying

Buying a home in Seaford

A typical home in Seaford is worth $658,300: 4% below the county and 55% above New York. With the typical household income in Seaford ($172,557 a year), a typical home costs 3.8 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Seaford 3.8 years
  • Nassau 4.7 years
  • New York 4.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Nassau County

According to FHFA’s house price index, home prices in Nassau County rose 82% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Nassau County.

Period County New York U.S.
Last year (2025) +7.0% +6.0% +2.9%
5 years (2020–2025) +45% +52% +47%
10 years (2015–2025) +82% +86% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Seaford next to Nassau County, New York and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Seaford $658,300
  • Nassau $684,700
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Seaford $2,489
  • Nassau $2,252
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Seaford $172,557
  • Nassau $146,202
  • New York $85,974
  • United States $80,734
See the full table
Seaford next to Nassau County and New York
Measure Seaford Nassau County New York U.S.
Typical home value $658,300 $684,700 $423,800 $332,700
Typical monthly rent $2,489 $2,252 $1,621 $1,413
Typical yearly household income $172,557 $146,202 $85,974 $80,734
Households that own their home 93% 82% 54% 65%
Typical yearly property tax $10,001 $10,001 $6,582 $3,119
Effective property tax rate 1.52% 1.46% 1.55% 0.94%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Nassau County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Seaford

For a typical $658,300 home in Seaford, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Seaford's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,778a month

    Least cash to close
    Down payment
    $23,041
    Cash to close
    $42,790
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $291

  • Conventional, 5% down $5,657a month

    Down payment
    $32,915
    Cash to close
    $52,664
    Rate
    7.18%
    Mortgage insurance
    PMI · $313

  • Conventional, 20% down, no PMI $4,676a month

    Down payment
    $131,660
    Cash to close
    $151,409
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $5,284a month

    Down payment
    $98,745
    Cash to close
    $118,494
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Seaford and for Nassau County.

Property tax

Effective rate in Seaford

1.52%of the home’s value each year

$10,001 a year for the typical owner in Seaford.

  • Seaford 1.52%
  • Nassau 1.46%
  • New York 1.55%

What New York publishes Basic STAR school tax relief (New York State Department of Taxation and Finance)

Exemptions and deadlines in New York

Flood risk in Nassau County

FEMA does not publish these numbers by city: they are for all of Nassau County.

Homes in the high-risk zone
9.6%
35,643
Of those, with NFIP insurance
76%
County New York U.S.
Homes in the high-risk zone 9.6% 2% 3.5%
Of those, with NFIP insurance 76% 76% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Seaford

Typical rent in Seaford is $2,489 a month: 11% above the county.

HUD publishes a fair market rent for all of Nassau County, by unit size. To pay the 2-bedroom one ($2,689 a month) without spending more than 30% of your income, you would need to earn $51.71 an hour working full time.

HUD fair market rent for all of Nassau County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,964 $37.77 $78,560
1 bedroom $2,285 $43.94 $91,400
2 bedrooms $2,689 $51.71 $107,560
3 bedrooms $3,458 $66.50 $138,320
4 bedrooms $3,671 $70.60 $146,840

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Seaford

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Seaford is in ZIP code 11783.

For 2 bedrooms it is $3,200: $511 more than the fair market rent for Nassau County ($2,689).

  • 11783 $3,200$4,120

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Seaford when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Seaford

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 3 HUD-approved agencies with an office in Nassau County; 2 say they serve in Spanish.

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Seaford

No down payment, repair or rent-help program on our list is for Seaford or Nassau County. The ones below are statewide in New York: they work in Seaford the same as in the rest of the state.

Which programs do I qualify for? All programs in New York

Housing counselors near Seaford

The HUD-approved agencies closest to the center of Seaford, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Family and Children's Association

    377 Oak St, Garden City · 7 miles away · Spanish

    • Reverse mortgage counseling
    516-485-3425-2325

  • Community Development Corporation of Long Island

    250 Fulton Ave, Hempstead · 8 miles away · Spanish

    Also serves in Creole.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (631) 471-1215

  • Hispanic Brotherhood of Rockville Centre, Inc.

    59 Clinton Ave, Rockville Centre · 8 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (516) 766-6610

Every agency in Nassau County All counseling agencies in New York

Help in Spanish near Seaford

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Seaford

In HUD’s record, no housing authority with an office in Nassau County is named for Seaford or Nassau County.

11 other authorities have an office in Nassau County: see the list Source: HUD

Cities

Other cities in Nassau County

These cities are also in Nassau County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Nassau County Housing in New York
See 57 more cities in Nassau County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Seaford, with the typical home value.

Neighboring counties

If Nassau County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Seaford.

All guides
A father and mother walk their son by the hand down the sidewalk.

Questions

Housing questions about Seaford

Short answers with the numbers for Seaford and all of Nassau County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Seaford?

The typical home value in Seaford is $658,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Nassau County it is $684,700.

How much does it cost to rent in Seaford?

Typical rent in Seaford is $2,489 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Nassau County is $2,689.

What is the FHA loan limit in Seaford?

Seaford uses the FHA limit for all of Nassau County (2026): $1,249,125 for a one-unit home and $2,402,625 for a four-unit home.

How much property tax do owners pay in Seaford?

The typical homeowner in Seaford pays $10,001 a year, according to the U.S. Census Bureau. That is 1.52% of the home’s value; in Nassau County, the rate is 1.46%.

Where can I find free help to buy or rent in Seaford?

There are 3 HUD-approved counseling agencies with an office in Nassau County. 2 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).